Okay somewhere along the line I got this idea in my head about car insurance and the policy payments. Normally the contract is for a year, and the number of times you pay can vary, mine being twice a year. I got this thought in my head when money was scarce that I could actually extend the payment time if I missed the due date and let the payment go into the grace period. I noticed this moved the next payment date back further on the calender. Now I am not saying this is a great plan, heaven forbid something should happen, but as long as you make the payment before cancellation all seems to be okay. I had the thought this might be a good way to move the due date closer to a period when I have a better cash flow. When all is said and done you pay the same, it is just the dates change a bit. Is this a bad plan or is there a better way to handle pay dates for car insurance?